What is cost of funds in banking

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Cost of Funds Index for neither the third nor fourth calendar months preceding an Interest Accrual Period has been published on or before the related Outside Reference Date, then for such Interest Accrual Period and for each succeeding Interest Accrual Period, the Index shall be LIBOR, determined in the manner set forth below.","Illustratively, the parameters may include the Return on Capital Employed, Debt Service Coverage Ratio, Gap between the Internal Rate of Return and Cost of Funds and the amount of provision required in lieu of the diminution in the fair value of the restructured advance.","The Base Rate, after adjustment, is called the Intermediary’s Cost of Funds.","The Intermediary’s Cost of Funds is initially calculated one year from the date of the note and is reviewed annually and adjusted as necessary (called recasting).","Provided that the rate at which Late Payment Surcharge shall be payable shall not exceed the rate of seven (7) percent in excess of the SBI 1 year Marginal Cost of Funds Based Lending Rate (MCLR) per annum / any replacement thereof by SBI, on the amount of outstanding payment, calculated on a week or part thereof basis viz.","In regards to the payments against the Monthly bill, if paid beyond the 30 (Thirty) days of its due date, a late Payment charge shall be payable by MSEDCL to the Solar Power Generator at the rate of 1.25% (percent) in excess of the SBI, 1 year Marginal Cost of Funds Based Lending Rate (MCLR) per annum / any replacement thereof by SBI.","Upon resolution of the dispute, in case the Power Producer is subsequently found to have overcharged, then it shall return the overcharged amount with an interest of SBI 1 year Marginal Cost of Funds Based Lending Rate (MCLR) per annum plus 7% for the period it retained the additional amount.","The interest rate applicable to each Interest Reset Period will be determined by the Calculation Agent on or prior to the Calculation Date (as defined below), except with respect to LIBOR, EURIBOR and the Eleventh District Cost of Funds Rate, which will be determined on the particular Interest Determination Date.","For dispute beyond the power conferred upon the MERC, such dispute shall be subject to jurisdiction of Bombay High Court at Mumbai, Upon resolution of the dispute, if Solar Power Generator is subsequently found to have overcharged, then it shall return the overcharged amount with an interest of SBI 1 year Marginal Cost of Funds Based Lending Rate (MCLR) per annum plus 1.25% for the period it retained the additional amount.","Unless otherwise specified as the Day Count Convention on the face hereof, the interest factor for each such date shall be computed by dividing the interest rate applicable to such day by 360 if the CD Rate, the Commercial Paper Rate, the Eleventh District Cost of Funds Rate, the Federal Funds Rate, LIBOR or the Prime Rate is an applicable Interest Rate Basis or by the actual number of days in the year if the CMT Rate or the Treasury Rate is an applicable Interest Rate Basis."],"id":"cost-of-funds","title":"Cost of Funds"},"groups":[{"size":31,"snippetLinks":[{"key":"per-annum","type":"clause","offset":[10,19]},{"key":"rate-of-interest","type":"clause","offset":[20,36]},{"key":"required","type":"clause","offset":[55,63]},{"key":"to-pay","type":"clause","offset":[64,70]},{"key":"offering","type":"clause","offset":[78,86]},{"key":"wholesale","type":"clause","offset":[99,108]},{"key":"liabilities","type":"clause","offset":[109,120]},{"key":"adjusted","type":"definition","offset":[122,130]},{"key":"reserve-requirements","type":"clause","offset":[135,155]},{"key":"other-requirements","type":"clause","offset":[165,183]},{"key":"imposed","type":"definition","offset":[194,201]},{"key":"federal","type":"clause","offset":[205,212]},{"key":"state-or-local-government","type":"definition","offset":[214,239]},{"key":"regulatory-agencies","type":"clause","offset":[244,263]},{"key":"determined","type":"clause","offset":[268,278]},{"key":"by-the-bank","type":"clause","offset":[279,290]}],"snippet":"means the per 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the rate of interest on each Lender’s share of the relevant Borrowing for the relevant Interest Period, which shall be the percentage rate per annum which is the sum of the weighted average of the rates notified to the Administrative Agent by each Lender as soon as practicable and in any event within two Business Days of the first day of that Interest Period (or, if earlier, on the date falling two Business Days before the date on which interest is due to be paid in respect of that Interest Period), to be that which expresses as a percentage rate per annum the cost to the relevant Lender of funding its participation in that Loan from whatever source it may reasonably select; provided, that if a Lender’s Funding Rate is less than the Eurodollar Rate or a Lender does not supply a quotation by the time specified in this definition, the cost to that Lender of funding its participation in that Borrowing for that Interest Period shall be deemed, for the purposes of this definition, to be the Eurodollar Rate; provided, further, that if any Lender does not supply a quotation by the time specified in this definition, the rate of interest shall be calculated on the basis of the quotations of the remaining Lenders; provided, further, that if the Cost of Funds shall be less than zero, such rate shall be deemed zero for purposes of this Agreement.","samples":[{"uri":"/contracts/bphXDk6u7wj#cost-of-funds","label":"Credit Agreement (Novelis Inc.)","score":21},{"uri":"/contracts/3iuIkBNmPVL#cost-of-funds","label":"Credit Agreement (Novelis Inc.)","score":21},{"uri":"/contracts/d9CFYHGIcnI#cost-of-funds","label":"Term Credit Agreement (Novelis 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which reflects the cost to such Local Fronting Lender of obtaining funds of the type utilized to fund any extension of credit to the relevant Borrower hereunder in the local market for the period during which such extension of credit is outstanding.","samples":[{"uri":"/contracts/26rCCrvcuIP#cost-of-funds","label":"Collateral Agreement (Revlon Consumer Products Corp)","score":21},{"uri":"/contracts/eQl5GsSEPAj#cost-of-funds","label":"Guarantee and Collateral Agreement (Revlon Inc /De/)","score":21},{"uri":"/contracts/7TWVLD9NBCy#cost-of-funds","label":"Lender Joinder Agreement (Revlon Consumer Products 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the rate per annum determined by the Agent to be the rate at which deposits in Dollars are offered to the Agent by leading banks in the London Interbank Market at the Agent’s request at or about 11.00 a.m. (London time) on the day on which quotations would ordinarily be given by leading banks in the London Interbank Market for deposits in the relevant currency to which such rate is to be determined for delivery on the first day of that period;","samples":[{"uri":"/contracts/j5VrheJw6Ty#cost-of-funds","label":"Agreement (Navios Maritime Partners L.P.)","score":19},{"uri":"/contracts/378dXQCVOdd#cost-of-funds","label":"Agreement (Navios Maritime Acquisition CORP)","score":19},{"uri":"/contracts/a6MZ4pa0hE3#cost-of-funds","label":"Loan Agreement (StealthGas 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with respect to any Lender, the rate per annum quoted by such Lender to the Administrative Agent as contemplated in the Reference Bank Cost of Funds Rate as its cost of funds with respect to a Borrowing Request, as determined solely by such Lender in its reasonable discretion based upon such factors as such Lender shall deem appropriate from time to time, including market, regulatory and liquidity conditions; provided that such rate is not necessarily the cost to such Lender of funding the specific Borrowing Request.","samples":[{"uri":"/contracts/imFJWWU7P41#cost-of-funds","label":"Credit Agreement (Goodrich Petroleum Corp)","score":21},{"uri":"/contracts/kyC0uVKI34e#cost-of-funds","label":"Senior Revolving Credit Agreement (Rosetta Resources Inc.)","score":21},{"uri":"/contracts/kYFsRrjevSE#cost-of-funds","label":"Credit Agreement (Goodrich Petroleum 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in relation to a facility, the cost to the Bank as determined by the Bank (expressed as a percentage per annum), given the nature of the facility and prevailing market conditions, of raising funds from external sources.","samples":[{"uri":"https://aib.ie/content/dam/frontdoor/business/docs/files/terms-and-conditions.pdf","label":"aib.ie","score":8},{"uri":"https://aib.ie/content/dam/frontdoor/business/docs/products/finance-and-loans/terms-and-conditions.pdf","label":"aib.ie","score":8},{"uri":"https://aib.ie/content/dam/frontdoor/business/docs/sbci/aibm-reg6-online-document-11-21.pdf","label":"aib.ie","score":8}],"hash":"12b9a65230b7f8771bf0c44b51289d70","id":10}],"nextCurs":"CloSVGoVc35sYXdpbnNpZGVyY29udHJhY3RzcjYLEhpEZWZpbml0aW9uU25pcHBldEdyb3VwX3YzNiIWY29zdC1vZi1mdW5kcyMwMDAwMDAwYQyiAQJlbhgAIAA="}} id=pagination-first-page>